Erie Insurance Group

Dear Ms. [redacted]:Thank you for your letter dated January 18, 2018 and received in our office January 18, 2018. You request ERIE to review and respond to the insured’s concerns regarding her estimated replacement coverage on her ErieSecure Home Policy.According to our file information Ms. [redacted]’s...

was first written effective February 11, 2016 with the [redacted] agency. The policy was written with an estimated replacement cost of $267,000. On January 18, 2017, Hometown Insurance and Real Estate Agency reduced the estimated replacement coverage to $205,000. This resulted in a $7.00 reduction in premium for the 2016 to 2017 term and $54.00 for the entire 2017 - 2018 term.Effective June 1, 2017, Ms. [redacted]s requested that her policy be transferred to the [redacted] Agency. Both agents agreed to the transfer and Erie processed the change. During the new agent’s review with Ms. [redacted]s, she questioned why the estimated replacement cost had been reduced to $205,000 from $267,000. During this review the agent spent approximately 2 hours going over all of her property’s coverages.In an effort to determine why the estimated replacement cost was reduced we reached out to Ms. [redacted]’s former agent, [redacted], to discuss the application and changes that took place on the policy. The agency principal advised that the agent who wrote this policy no longer works for that agency and cannot confirm what took place and advised there is no written documentation of the changes requested or performed.As far as current policy with [redacted] Agency, we have spoken with agency principal and discussed what has taken place since he has took over this policy. We agreed that the agency will perform a New Home Cost Estimator and amend the estimated replacement cost for the insured. I have obtained the new Home Cost Estimator from the agency [redacted] Agency. The new Home Cost Estimator lists $242,091. The agency will speak with the insured only by via e-mail to confirm if and any changes need to be done.As of Thursday, January 18, 2018, the agency has e-mailed Ms. [redacted]s regarding the coverage amount and what she would like to do with her replacement cost. As of January 19, 2018, the agency is still awaiting her response.The type of policy that Ms. [redacted]s has is a guaranteed replacement cost policy. The estimated replacement cost is based on the Home Cost Estimator as what it would cost to rebuild the home. The estimator cost is listed on the policy, but that is not the amount that is guaranteed. The guaranteed amount would be based upon what the replacement cost is.Based on the inflation guard which is outlined in her policy, the estimated replacement guard will slightly increase annually. If Ms. [redacted]s prefers to go higher she would need to review that with her agent and need to be confirmed in writing.If you have any further questions, please contact me at [redacted].Sincerely,Nicholas K[redacted] Executive Resolution ExaminerOffice of the President

This is in response to your letter dated and received July 19. 2017. regarding Mr. [redacted]complaint filed with your office related to the cancellation of his Erie Insurance Company AutoPolicy effective June 3. 2017. for non-payment of premium.In reviewing our records we find that the [redacted] policy...

originated August 29. 2008. Coveragehas been provided annually to the most recent renewal effective August 29. 2016. On July 30,2016, ERIE issued and mailed the [redacted] renewal policy. On August 8,2016 a billing invoicewas mailed requesting payment in full by August 29. 2016. The payment plan was amended anda billing invoice was mailed September 8,2016, requesting a payment of $316.75 by September29, 2016. On October 10, 2016, a billing invoice was mailed requesting a payment of $316.75by October 31, 2016.On November 1,2016, a cancellation notice was issued and mailed advising of a cancellationeffective December 3, 2016, for non-payment of premium. The notice requested a minimumpayment of $316.75 due by December 3,2016, to avoid cancellation. On December 6,2016, arescind notice was issued and mailed acknowledging receipt of the insured’s payment of $325 .00on December 5,2016, and the rescission of the cancellation.On December 8,2016, a billing invoice was issued and mailed requesting a payment of $313.50by December 29, 2016. On January 9,2017, a billing invoice was issued and mailed requestinga payment of $313.50 by January 30, 2017.On February 1, 2017, a cancellation notice was issued and mailed advising of a cancellationeffective March 5,2017, for non-payment of premium. The notice requested a minimumpayment of $313.50 due by March 5,2017 to avoid cancellation.On March 2,2017. an amended policy was issued and mailed to the [redacted] confirming a changerequested to the policy.On March 6. 2017. a rescind notice was issued and mailed acknowledging receipt of theinsured’s payment in the amount of $313.50 on March 3,2017. and rescinding the cancellation.On March 8. 2017. a billing invoice was issued and mailed requesting a payment of $398.75 byMarch 29. 2017. On April 10, 2017. a billing invoice was mailed requesting a payment of$398.75 by May 1.2017.On May 2.2017. a cancellation notice was issued and mailed advising of a cancellation effectiveJune 3,2017. due to non-payment of premium. The notice requested a minimum payment of$398.75 by June 3,2017, to avoid cancellation.No payment was received and the policy cancelled effective June 3.2017. On June 29. 2017. afinal statement was issued and mailed confirming the cancellation effective June 3,2017 andincluding billing for $360.50 representing the remaining earned premium due for coverageprovided up to June 3.2017.Mr. [redacted] contacted ERIE on July 3.2017. regarding the cancellation of his policy. 1-Ic wasadvised that the policy was canceled effective June 3,2017, and the policy would not bereinstated. Mr. [redacted] contacted ERIE again on July 18, 2017, and was again advised that thepolic) would remain canceled. Mr. [redacted] requested copies of all correspondence mailed fromMarch of 2017 to June of 2017. ERIE mailed the requested correspondence to the [redacted] onJuly 18. 2017 by certified mail.Based on the above, we believe our action to be appropriate and look for your support in thismatter. If you should need any additional information, please feel free to contact me directly at[redacted]Sincerely,  Gretchen A. T[redacted], AINS, AlS, CPIWExecutive Assistant IIOffice of the President

Morning [redacted]. I have been contacted and the issues has been resolved. Thank you guys so much for everything you do!!

Thank you for your letter dated August 16, 2017, received in our office on August 23, 2017. You request ERIE review and respond to Ms. [redacted] concerns regarding the cancellation of her personal automobile policy effective July 1, 2017, for non-payment of premium.Ms. [redacted] states that she chose not to...

renew her auto and homeowners insurance with ERIE. She further states in her letter that she provided her agent with proof of new insurance and that she is not aware of any law that says I have to renew my insurance with any specific company. Below you will find a copy of the General Policy Conditions applicable to Ms. [redacted] concerns:RIGHTS AND DUTIES—GENERAL POLICY CONDITIONS“We,” “you” and anyone else protected by this policy must do certain things in order for the terms of this policy to apply.DEFINITIONSThe following words and phrases have a special meaning when they appear in bold type and quotations in the RIGHTS AND DUTIES—GENERAL POLICY CONDITIONS Section.• “Anyone we protect” means:1. “you” and “your” spouse, if a “resident” of “your” household; and2. persons or organizations defined as “anyone we protect” in the LIABILITY PROTECTION Section orany applicable coverage.CONTINUOUS POLICYThis policy is a continuous policy. It will continue in force until cancelled by “you” or terminated by “us” as explained in the Termination Condition. Each year “we” will send “you” a “Declarations” that shows the premium due for the next policy period.In return for this service, “you” must mail “us” written notice prior to the new policy period if “you” want to cancel. If “we” do not receive this notice, this policy remains in force and “you” must pay “us” the earned premium due for this time.TERMINATIONCancellation“You” may cancel this policy by mailing or delivering to “our” Agent or “us” written notice stating at what future date “you” want the cancellation to take effect. “We” may waive these requirements by confirming the date of cancellation to “you” in writing.[redacted]“We” reserve the right to cancel for “your” noncompliance with “our” premium payment plans. “We” do not waive “our” right to cancel, even if “we” have accepted prior late payments.If this policy is cancelled, “we” will return the pro rata unused share of “your” premium. Cancellation will be effective even if “we” have not given or offered any return premium.Upon receipt of your letter to our office, we contacted the ERIE Agent who confirmed and based on their file, at no time did the insured provide a written request to cancel this policy prior to renewal, nor did she provide proof of coverage with another insurance carrier. The agent states they will reach out to Ms. [redacted] in efforts to provide further assistance.We believe the information provided should be helpful in assisting with your investigation. If you require additional information or clarification, please contact our office at ###-###-####.Sincerely,Stephen *. R[redacted] Sr., ACS, AINS, AIS, AU, CICExecutive Assistant IIOffice of the President

Thank you for your letter dated December 28. 2016. received in our office on December 28. 2016. You requestERIE review and respond to Ms. [redacted] concerns regarding her request to backdate cancel her policy.In review of our file. the following chain of events occurred:• Ms [redacted] states in her letter to...

your office that she cancel her ERIE automobile policy and obta nedreplacement coverage with another carrier effective June 30. 2016. Ms. [redacted] states that a localautomobile dealership made arrangements to cancel her policy. ERIE’s policy conditions state that wemust receive written notification from an insured in order to properly cancel any policy . ERIE did lotreceive such notice.• ERIE received verification of replacement coverage on December 15. 2016. indicating she obtainedcoverage with another carrier effective June 30, 2016. Upon receipt of this information. ERIE agreed toremove her from collections and credit her policy retroactively effective June 30, 2016.We believe this information should assist you with closing your file. If you require any additional information,please contact me directly at ###-###-####. extension [redacted].Sincerely.Stephen V. Rupp Sr.Executive Assistant IIOffice ofthe President

'sans-serif';">From:[redacted] Sent: Thursday, March 06, 2014 2:52 PMOn either 3-3 or 3-4 I received a 2 page document from Boardman Subaru.   Page 1 was an invoice for total of 497.55 for tear down of the car. It also stated that an authorization for a [redacted] to fix the clutch.  I do not dispute that we did authorize to fix the clutch, however the 450$ charge didn't come up till we surrendered the vehicle after we were promised 500$ for it.  The invoice had no signature from either the dealer or the customer The second page was a check for 2.45 $ that of course I didn't cash) Both documents were prepared after the fact , on 2-28-14 a week after the surrender of the vehicle and one day after I complained to you. On 3-5 had a phone conversation with Mr Rob Fellman with whom I couldn't reach an agreement and who said " I don't need your snooty attitude or your 500$"

Prior to January 2015 Erie Insurance had sent me a notice that they were cancelling my house insurance because my home was not owner occupied. This was incorrect. It has been owner occupied for 30 years. My agent said there was nothing he could do, so I checked out different companies and found a much better company at a much better rate. I reported Erie Insurance in the meantime for this aggravation. I called the agent at [redacted] at ###-###-#### and told him I found another company and did not plan to do any further business with Erie. After all that, Erie sent me a huge bill today demanding payment. They are crazy!!! I have been with another company since January 2015 and do not plan to go back to a company that treated me like this. I want them to get their paperwork straight.I want Erie to straighten out this billing. I am not insured with them since they cancelled my policy and I want to do no further business with them after I was treated like this. I want a full apology for all of this aggravation. They cannot even keep their paperwork straight!!

This is in response to your letter dated August 7, 2015, which we received on the same date.The above policy is a Personal Automobile Policy issued to Ian [redacted]. Mr. [redacted] had selected to make his paymentsthrough our electronic funds transfer option, in which 1/12thof the premium is deducted...

electronically from thecustomer’s bank account each month, for the 12 months of the policy term. Mr. [redacted]’s payments are withdrawnon the 12th of each month. In July, Mr. [redacted] made an electronic payment online on July 8, 2015, which wereceived on the 10th. We are enclosing a copy of a draft notice, which clearly states that three business days areneeded in order to stop or change a withdrawal under this payment plan. July 8, 2015 was a Wednesday, andJuly 12, 2015 was a Sunday; therefore, there were not three business days as required in order to stop the draft.Mr. [redacted] would have had to notify ERIE of his intention to stop the automatic draft.The payment was drafted, as it had already been electronically sent to the bank. According to the customer, thisresulted in their account being overdrawn. He was charged a $25.00 nonsufficient funds fee from ERIE when thepayment was returned, as well as incurring a charge from their own bank. ERIE agreed to credit Mr. [redacted]’s policy$25.00 for the insufficient funds fee imposed by us, given the fact he did make the manual payment for July andwe agree to make a one time exception. However, the customer is asking us to reimburse the fee he was chargedby his bank, and we have declined to do so. The customer had been informed on the invoice of the three businessdays requirement to stop a bank withdraw; therefore, we don’t believe the responsibility for this error belongs toERIE. As such, we can only credit our own fee, but we can’t be responsible for the fee the bank imposed whenMr. [redacted]’s account was overdrawn.

This letter is in response to your correspondence, dated and received on July 31, 2017, regarding a complaint made by *** ***. The accident occurred on June 18, 2017 when our insured *** *** pulled from a stop sign on Oliver Road in Erie, PA and collided with the complainant *** ***.We contacted Ms. Petraca on June 20, 2017 and she chose *** *** to complete her repairs. *** *** estimated the length of her repair time to be 6 days and we arranged an Enterprise rental car for her on June 20, 2017 for 10 days. Ms. ***’s vehicle repair was completed on June 30, 2017. *** *** advised us that they had left several phone messages for Ms. *** with no response. Ms. *** picked up her vehicle on July 5, 2017 and returned her rental vehicle. Ms. *** provided her *** Cell phone records which clearly show that *** *** did not attempt to contact her from the time that her vehicle repair was completed and the time she picked up the car. Therefore, we contacted Ms. *** on August 2, 2017 and agreed to pay the remaining balance of the rental bill which was $244.50.If we can provide your office with additional information or clarify any item, please do not hesitate to contact me at ###-###-####.Sincerely,Karen * M***, CPCU, AIM, AINS, AIS, CPIWSenior Executive AssistantOffice of the President

The agent states that I had went to his office and begged for two (2) hours for him to under insure myhome.This is not true:1. Mr. B[redacted] had agreed to become my new insurance agent and had invited me to his office. Theobjective of the meeting was to review and discuss my general insurance needs – includinghomeowners, auto, and the possibility of umbrella. At the time of the meeting, Mr. B[redacted] didnot have access to my policies because Erie had not yet changed the agent related informationin their system. Therefore, it would have been impossible to discuss specific numbers at thattime. We only discussed my insurance needs in general terms. Mr. B[redacted] stated that he wouldreview the specifics of my coverage as soon as he obtained access to my information. He saidthat he would contact me if he saw any issues. I was never contacted. I assumed that all wasaccurate and correct.2. Why would a reputable insurance agent knowingly under insure a client, even at that client’sinsistence? Would knowingly under insuring be considered an unethical or even possibly, anegligent act by the agent? If an underinsured client were to incur an uncovered loss, it is myunderstanding that an agent can by personally sued for the difference. Why would Mr. B[redacted]agree to put himself in financial jeopardy? My begging and his under insuring did not happen.3. I personally have a better than average appreciation for the value of adequate insurancecoverage. I know a lot about finance. I am a highly educated. I was valedictorian of my highschool class. I graduated with honors from Indiana University School of Business. I have aMaster’s degree and hold a CPA certification. I have a successful financial related career. Iwould not have not risked losing my home for a $54 annual savings. Why would a professionalof my caliber take the time to walk into an insurance agency and argue with an agent that shehad never met before for two (2) hours for $54, in order to knowingly jeopardize her financialhealth?4. Even though consider myself very intelligent, I do not know how much money it would take torebuild my home. Nor do I have availability to the software that gives me that information. Isimply did not have the information available to me to argue the specific home replacementamounts.5. I had just suffered a fairly significant financial loss ($5500) under my last agent at the previousinsurance company. After having suffered one big loss, I would not have taken a chance onunder insuring my primary residence. To give some historical perspective, when my agent of 25years had retired and sold his company I decided to transfer my Erie coverage to a newinsurance agency in town that had been recommended to me. There was one new agent in thatoffice who was very friendly and gregarious, but not very detail oriented. Insurance is complex.From what I later found out, this very new agent made a lot of mistakes. I was one of thevictims. When I had storm damage on my secondary home and needed to repair the roof, Ifound out that I was not covered because of something that this agent had (had not) done. Theowner of the agency was always straightforward with me and I believe that he did the best thathe could to handle his personnel problem (the last I talked to him he was having a second agentreview every policy that this new agent wrote. According to the attached letter, the agent is nolonger there). However, after having to write a $5500 dollar check to pay for repairs that shouldhave been covered, I did not feel comfortable working with the agent anymore. That is when Itransferred my Erie policies to Mr. B[redacted].6. I am a single mother. I would never put my child’s home and our financial future at risk for $54.The letter states that Mr. B[redacted] e-mailed me asking me what to do about coverage. Below isa sample from correspondence that I have."I was reallytaken by your language and the way you spoke to me (of course I used strong language, my home was in jeopardy), I no longer wish to continue as your agent.Please send me a written request to cancel your home owners policy" There.is no offer to help or to check the numbers, transfer, to anotheragent etc1. It is misappropriate to send personal and confidential insurance information over aninsecure source. If more specific insurance details were e-mailed to me, there should be apasscode that was communicated via another manner.2. The only choice this gives me is to cancel the policy. I have had Erie Insurance most of myadult life. Before that, my parents had Erie Insurance. I wanted to keep Erie Insurance butfeel like I am being forced out against my will. My premiums are paid up and Mr. B[redacted] isstill collecting a commission on my policy.3. The e-mail refers to me speaking to him inappropriately. Please understand, I had beentrying to reach him for three (3) weeks to discuss my policy renewal in February. After 1.5weeks of not being contacted, I started to get other estimates from other agencies – just tomake sure that I would have coverage. It was then that I realized that my current coveragewas inadequate. At that time, I was scared. I called and called again. I called Erie directly andspoke to a customer agent. Erie has me on tape expressing my deep concern and fear. Mr.B[redacted]’s son finally called me back. He told me not to worry. That they had ran the numbersand everything was OK. He said that he would have an agent call me the next day. That iswhen Mr. B[redacted] finally called. I requested that he send me documentation to show that hehad checked the coverage. He responded by saying that I had made him lower the coverage(I had ‘begged’ him to act unethically). He also stated that the reason that I had switchedagents in the first place had been ‘silly’. In response to all of this, I did use some ‘strong’language. However, I was scared, had lost sleep due to worry, and he was not still notchanging the coverage – he was just making stuff up in an effort to cover himself. Thecoverage amounts had never been reviewed. To this day, he still has not fixed the coverage.His behavior was a whole lot worse than anything that I have ever done or said.I know that you get a lot of customer complaints. However, Mr. B[redacted]’s actions are in my opinion,unscrupulous and need to be evaluated as such. He has knowingly and selfishly put my home and myfamily’s financial wellbeing at serious risk. Insurance professionals need to be held to higher standards.The next time, such irresponsible behavior could result in the loss of someone’s home.

December 8, 2016Re: ERIE Insured: [redacted]E R IE Homeowners Policv #[redacted]Claim #0[redacted]Date of Loss: 'November 14 , 2016B B B ID #[redacted]Dear Mr. [redacted]Thank you for your letter dated December 5. 2016, received in our office on December 6, 2016. You request E R IE reviewand...

respond to the Policyholder complaint regarding the handling of their claim.In review of our claim file, the following chain of events occurred:• The insureds reported to E R IE on November 16. 2016, that they sustained water damage to the ceiling area of thehome located directly below an upstairs bathroom.• ER IE 'S Adjuster conducted an investigation and determined the cause of loss to be repeated seepage of water from ashower located in the insured’s upstairs bathroom. The adjuster determined that the shower leakage caused damageto the drywall located on the ceiling located directly below the bathroom shower. ER IE 'S Adjuster provided Mr.[redacted] with information regarding possible denial of coverage due to the applicable policy exclusion as follows:k. Accidental Discharge Or Overflow Of Water O r Steam2) This peril does not include loss:(a) To the system or appliance from which the water or steam escaped;(d) Caused by:(i) Constant or repeated discharge, seepage or leakage of water; or( ii) The presence or condensation of humidity, moisture or vapor;over a period of weeks, months or years.ERIE further advised Mr. [redacted] that although the resulting drywall damage would qualify for coverage, theestimated cost of repairs would be less than the applicable policy deductible.ERIE has since consulted with an engineering firm and await their final report to confirm the cause of loss. ERIE continuesto service this claim on behalf of the insured and will contact Mr. [redacted] to discuss the final results of our investigation.We believe we have provided the information necessary to assist with your review. I f we can provide additional informationor clarity, please contact our office at ###-###-####.Sincerely,Stephen *. R[redacted]., ACS, AIMS, AIS, AU, CICExecutive Assistant IIOffice of the PresidentSR:[redacted]

Dear Ms. [redacted]:This is in response to your letter dated November 22, 2017, which we received on the same date.In reviewing the customer’s Complaint to your office, we offer the following information. Ms. [redacted] was involved in an accident under her ERIE Automobile Policy on September 2, 2017, and...

she was found at fault for the incident According to our file information, she submitted no damages to her vehicle. We are in the process of settling the damages with the claimant that was struck by Ms. [redacted] in that accident.However, the complaint also includes an issue with car registration, in which ERIE was not involved. She states that her car was reported junked from the accident. However, ERIE did not total her vehicle, nor did we provide any Collision coverage as she did not have Collision coverage on her policy. If the vehicle is reported as totaled, it may have been from a prior incident before she was insured with ERIE. The inception date of ERIE’S policy was February 23, 2017.With regard to the Complaint that the adjuster was ignoring her phone calls, the file information reflects several messages left for [redacted] during the claims process. We regret that she is unhappy with the service that she received.We trust this is the information you are seeking. If further information is needed, you may contact me at [redacted].Sincerely,Denise H[redacted], API, AIS, AINS, CPIWSr. Executive Resolution ExaminerOffice of the President

Thank you for your letter dated October 3, 2017, received in our office on October 4, 2017. You request ERIE review and respond to the insured’s concerns regarding cancellation of the above-captioned policies.Upon receipt of your letter to our office, we contacted the insured’s representing ERIE...

Agent who confirmed at no time did Mr. [redacted] provide a request to cancel the above-captioned policies in writing prior to the date of cancellation or non-renewal. Please see the policy language below applicable to the need for documented request to cancel.CANCELLATION AND NONRENEWAL Your Right To Cancel “You” may cancel this policy by mailing or delivering to “our” Agent or “us” written notice stating at what future date “you” want the cancellation to take effect. “We” may waive these requirements by confirming the date of cancellation to “you” in writing.When the agent learned the insured obtained replacement coverage with another insurance carrier, they requested Mr. [redacted] provide front page copies of the current carrier’s declaration pages to ERIE for our review in consideration of backdate cancelling the policies in question. Mr. [redacted] has not provided verification of any other insurance coverage to this point.Mr. [redacted] states in is letter that he requested the policies be cancelled and his address be changed. ERIE confirms at no time have we received any such request.In order to best service the concerns of Mr. [redacted], we would encourage him to provide either his Agent of ERIE with an updated address change and front page copies of his declarations to we can confirm continuous coverage and send future mailings to the proper mailing address. We also request ERIE’s Agent send a letter to Mr. [redacted] requesting this same information in order to best assist his request to cancel to any specific date he is requesting.We appreciate the opportunity to address the insured’s concern. If we can be of any further assistance, please contact our office at [redacted], extension [redacted].Sincerely,Stephen *. R[redacted] Executive Assistant IIOffice of the President

Thank you for you letter dated May 24, 2017, received in our office that same date. You request ERIEreview and respond to our insured~s concerns regarding his request for information regarding dates andaddresses that we would have mailed a specific magazine to him.Upon receipt of your letter to our...

office, we mailed a response directly to Mr. Pyle addressing hisconcerns. Enclosed is a copy of the response. Based on the information provided in the letter to Mr.Pyle, we believe we have resolved his current concerns.We believe we have provided the information to assist with the review of your above referenced file. Ifwe can provide any additional information or clarity, please contact our office at (814)870 2228.Sincerely.Stephen *. R[redacted]., ACS. AINS, AIS, AU,dcExecutive Support DepartmentOffice of the President

This is to confirm receipt of your letter dated March 9,2016. received in our office March 10 2016. You requestERIE review and respond to the insured’s concerns that he did not receive a copy of the appraisal report for hisdamaged vehicle.Upon receipt of your letter, ERIE mailed a copy of the...

requested appraisal report for the claim occurring January)30, 2016, to the attention of Mr. [redacted]. Our records indicate that ERIE mailed a copy of the appraisal to Mr.[redacted] on February 22, 2016. We apologize if Mr. [redacted] failed to receive that document or that it could have beenmisplaced.Thank you for providing ERIE the opportunity to review the claimant’s concerns and provide a copy of theappraisal to our insured. If you have any additional questions or concerns, please contact our office at [redacted]Sincerely,~-~ar~r4.Stephen ** R[redacted] Sr., ACS, AINS, AIS, AU, CICExecutive Assistant IIOffice of the President

Thank you for the letter dated January 22, 2015, received in our office that same date, requesting aresponse to Ms. [redacted] request for ERIE to replace her automobile.In review of the ERIE claim file, the following events occurred:1. On December 6, 2014, an accident occurred  when a claimant...

rear-ended our insured’s automobilecausing physical damage. ERIE and the claimants insurance carrier found the claimant to be100% liable for this accident.2. On December 8, 2014, the ERIE appraiser made contact with Ms. [redacted] to schedule an inspectionfor the resulting vehicle damage. Ms. [redacted] advised ERIE’s appraiser she preferred to use herlocal dealership for repairs. During the conversation, Ms. [redacted] inquired about the quality ofrepairs where the ERIE appraiser explained that it was Erie’s responsibility to estimate all of therelated damages within applicable coverage limits. The appraiser further explained it is theresponsibility of Ms. [redacted] and her repair shop of choice, to agree on whether the repairs werecompleted to industry standards and to hers.3. On January 2, 2015, Ms. [redacted] called ERIE’s appraiser explaining that she was not happy withthe repairs completed by her dealership. Ms. [redacted] explained she had taken the car to the servicedepartment at the local dealer, they checked the vehicle over and test drove it but could not findany problems with the vehicle. The service manager explained to the customer and appraiserthat the car was running as it should. The appraiser advised the customer that he would need totake her vehicle back to the body shop to address any quality concerns directly.4. On January 5,2015, the appraiser called the dealership body shop and made them aware that thecustomer had concerns regarding their repairs. The shop manager called the customer and madean appointment for her to bring it back in on January 7, 2015.5. The appraiser went to the shop on January 7,2015 and the shop and appraiser reviewed thecustomers list of concerns. The appraiser also rode along on a test drive with the body shopmanager and did not experience the mechanical issues that were mentioned.6. The appraiser called the customer and advised her of this and explained that the body shop wasworking to correct the quality issues on her list and to let the appraiser know if she was satisfiedonce shop was finished.7. On January 9,2015, Ms. [redacted] called the ERIE appraiser advising that she was still not happy andstill thinks the car has mechanical issues. The appraiser suggested she choose another shop ordealer to diagnose those issues.8. On January 23. 2015, the ERIE appraiser spoke with Ms. [redacted] and they mutually agreed uponhaving another shop examine the repairs.The ERIE appraiser continues to be an advocate for Ms. [redacted] for the warranty and quality issues with herdealership. ERIE's obligation is to pay for the repairs to the vehicle related to the loss and it is thecustomer’s responsibility to make sure the job is done to her satisfaction at the shop of her choice.Ms. [redacted] indicates her desired settlement is to fully replace her vehicle. ERIE is not required to replacethe automobile, only respond to necessary repairs of her vehicle within provisions of the policy. ERIEwill continue to be an advocate on Ms. [redacted] behalf regarding quality issues with her automobile shop orchoice.Thank you for providing ERIE the opportunity to review and provide a detailed explanation of the claimin question. If you require additional information or clarification, please contact me at ###-###-####.Sincerely,

I completed the listed repairs and informed my Erie agent on or before August 15 2014. If their agent did not inform the corporate office of this communication, I am not responsible for that. I did as instructed and notified my Erie Insurance agent.The next communication I received from Erie Insurance was the cancellation notice that I received in November 2014.I have since obtained other coverage for my home owner's insurance and no longer wish for Erie Insurance to reinstate my policy. I want to have this incident documented with the Revdex.com in the event of any future class actions that may take place.Regards,
[redacted]

This is in response to your letter o f March 19. 2015, which we received on March 27, 2015, regarding Mr. [redacted]concern with our handling and settlement o f the above-referenced windshield claim.A review o f our claim file information reveals that the windshield in Mr. [redacted] 2000 BMW has been...

replaced and heis picking this vehicle up from his dealership on March 27, 2015. Eric Insurance along with [redacted] will be handling allof Mr. [redacted] rental expenses since there appears to have been miscommunication between Erie Insurance and [redacted]This information has been communicated to Mr. [redacted]. We have also offered our apologies for the confusion.If you have any additional questions, please contact me at ###-###-####.

This is in response to your letter dated June 17,2015, which we received on the same date.On the above-referenced date of loss, Mr. [redacted] reported water damage throughout his apartment due to heavy rainsin the area. He stated the water was about four inches deep, and he was using a shop vac to take...

up the water. Atthe time of the report, there was no confirmation of coverage given. The loss was assigned to a claims adjuster,and the adjuster made contact with Mr. [redacted] on the same date as the loss. Being that the cause of the loss was dueto water coming up through the drain, there is no co~erage according to our policy language. The claim assubsequently denied by phone at approximately 10:00 a.m. on June 16, 2015. We have also mailed a writtendenial letter to the customer, outlining the section of the policy where the exclusion for this type of loss can befound.We are mindful of the inconvenience and devastation that a claim can cause. Unfortunately, coverage for thistype of loss does not exist under the policy. Therefore, we are not able to provide any payment for the damage.Thank you for contacting our office. If further information is needed, you may contact me at ###-###-####.Sincerely,[redacted], API AIS, AINS, CPIWExecutive Assistant IIOffice of the President

This is in response to your letter dated and received July 16, 2015 in follow up to our original letter dated June 18, 2015. We have again reviewed Mr. [redacted]’s complaint and are unable to locate any billing invoices marked “Please Cancel” that were received in our office. We are requesting that...

Mr. [redacted] please forward confirmation of his replacement policy in effect prior to February 27, 2015. Upon receipt of his replacement coverage we would be more than happy to amend the cancellation of his ERIE policy and adjust the earned premium remaining due in the amount of $70.00.